Instant Approval Store Credit Cards

Credit cards from department stores and specialty retailers commonly offer instant approval. They want you to buy, buy, buy — today if possible, which means many of these are instant credit cards offering immediate use:

Amazon.com Rewards Visa – “The majority of applications are responded to in less than 60 seconds.” If you are approved for instant credit, you’ll immediately start getting a 3% rebate on Amazon.com purchases, plus a 2% rebate on gas, restaurant and drug store purchases, and a 1% rebate on everything else. (5% back on Amazon purchases if you are a paid Prime member.) Rebates awarded as points toward cash back, gift cards, or credit toward Amazon.com purchases.

Amazon.com Store Card – This instant approval card (“decision in as little as 15 seconds”) is only accepted at Amazon, and its selling point is that it offers you special 0% financing on larger Amazon purchases. Note that if you are an Amazon Prime customer, you can also upgrade the card after approval and then get 5% off all Amazon purchases.

Apple Rewards Visa – Finance your Apple product purchases with this instant credit card that will usually give you an answer “in as little as 30 seconds” on your application. Get that instant approval and you can immediately use it on your Apple store purchases.

Belk Credit Card – Department store credit card offers the chance at instant approval and 15% to 20% off your purchases on the day you open the card and are approved.

Best Buy Credit Card – Major electronics and appliance superstore offers a number of Visa and store-only cards you can get approved for instantly — and use online today. Offers a rewards program and/or special financing on your purchases.

Cabela’s Visa – Outdoor store offers a credit card that earns you points in the Cabela’s Club loyalty rewards program. May approve you instantly but note that you will have to wait for the card to arrive by mail before you can actually start using it.

The Children’s Place Credit Card – This kids store’s credit card promo page promises you’ll get “30% off your first credit card purchase” as well as “20% off when you get your card.” This suggests you can get instant approval and even use your card (with a discount) on the very same day.

GAP Credit Card – This instant approval card is actually good at the other GAP family stores, too — Old Navy, Banana Republic, and Athleta. Offers a rewards program that gives $5 in rewards for every 500 points you earn, and you’ll get 20% off your first purchase with the card.

Home Depot Credit Card – Home improvement store credit card changes the language on its application often, but not long ago we saw the message “receive an immediate response – get instant credit if you qualify!” Offers 0% financing on certain large purchases and low interest financing on others. The everyday interest rate could be as high as 26.99%, though, so be careful.

JCPenney Credit Card – Major department store chain offers instant approval and immediate use — you’ll even get 20% off your first online order when accepted, and you can pair that with other discounts or coupons you may have.

Kohl’s Charge – Offers instant approval to those who qualify; some applications may take longer to approve or reject. If you are approved today, you can take 25% off your first purchase with the card.

L.L. Bean Visa – If you apply for this outdoor store card today and are instantly approved, you’ll get 15% off today’s purchases. Earn 3% rewards on L.L. Bean purchases and 1% in rewards on all other card purchases. Every time you reach $10 in rewards, you get a $10 L.L. Bean rewards coupon.

Macy’s Credit Card – Department store credit card offers instant approval and instant usage — in fact, you’ll get 20% off most purchases on the day you are approved and the next day, too. Offers a Macy’s store-only credit card online; you can apply for a Macy’s American Express card in store.

Neiman Marcus Credit Card – High-end store card offers instant approval and the ability to use the card today. In fact, you’ll get 5,000 bonus points (worth $50 in future purchases) if you are instantly approved and use the card to make a purchase today.

Nordstrom Credit Card – If approved, you can “start shopping right away” with the Nordstrom Visa or retail store credit card. If you spend at least $100 with the card the day you are approved, you’ll get a bonus $40 Note (gift certificate) toward a future Nordstrom purchase.

Overstock MasterCard – “Apply. Be Approved. Use your card in as little as 60 seconds.” This online store’s credit card gives you a $20 statement credit after you are approved and use the card for the first time, and you can earn ongoing Overstock rewards anywhere MasterCard is accepted.

TJX Rewards Credit Cards – Store credit card of TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post encourages you to “open an account today.” You’ll earn rewards on all card purchases. Note that you could be approved for a TJX MasterCard (accepted anywhere MasterCard is accepted) or a TJX store card (accepted only at TJX stores).

Ulta Beauty Credit Card – You may be instantly approved for this credit card and can use it the same day — you’ll get 20% off of that first purchase with the card. Offers an ongoing rewards program as well.

Walmart Credit Cards – Get approved instantly for a Walmart MasterCard or store-only credit card and you’ll get a $25 discount on any purchases you make today.

Williams Sonoma Credit Card – You will get 20% off your first purchase with this card if you apply and are approved instantly, then use the card on the same day as your approval. Ongoing rewards program gives you 5% in rewards points on all your Williams Sonoma purchases.